Community Bank System, Inc. is a single bank holding company. The Company owns five subsidiaries: Community Bank, N.A. (CBNA), Benefit Plans Administrative Services, Inc. (BPAS), CFSI Closeout Corp. (CFSICC), First of Jermyn Realty Company, Inc. (FJRC) and Town & Country Agency LLC (T&C). It operates in three segments: banking, which provides an array of lending and depository-related products and services; Employee benefit services segment, which is engaged in providing employee benefit trust, collective investment fund, retirement plan administration, actuarial, VEBA or HRA and health and welfare consulting services, and Wealth management services, which include trust services provided by the personal trust unit of CBNA, investment and insurance products and services provided by CISI and CBNA Insurance and asset advisory services provided by Nottingham. It offers retail and business banking services, insurance and benefits consulting services.